| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS, INC. | 2011 W. CLEVELAND ST. STE C TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS, INC. | 2011 W. CLEVELAND ST SUITE C TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS, INC. | 2011 W CLEVELAND ST STE C TAMPA, FL 336061756 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS INC. | 2011 W. CLEVELAND ST. STE C TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| IMAGINE3603 | 12770 MERIT DR. DALLAS, TX 75251 | TOKIO MARINE HCC | — | $1K | $1K | 4.00% |
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS INC. | 2011 W. CLEVELAND ST. STE C TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS, INC. | 2011 W. CLEVELAND ST. STE C TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 18.33% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $444 | — | $444 | 1.67% |
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS, INC | 2011 W CLEVELAND ST STE C TAMPA, FL 336061756 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS INC. | 2011 W. CLEVELAND ST STE C TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 18.41% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $226 | — | $226 | 1.62% |
| BKH HOLDINGS INC3 Filed as: BKH HOLDINGS, INC. | 2011 CLEVELAND ST. STE C TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.01% |
| BKH HOLDINGS INC3 | 2011 W CLEVELAND ST STE C TAMPA, FL 336061756 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE | 248 | $491K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $105K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $25K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 414 | $107K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $98K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 80 | $107K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE | 248 | $491K |
| Other(4 contracts, 2 carriers) | TOKIO MARINE HCC | 414 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.